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This home is in Jacksonville.

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Active·104 days on market

5514 Bullseye Circle

Jacksonville, FL 32244

$358,000$177/sqftEst. $1,825/moMLS# 2140393

Beds

Baths

2,028

Sq Ft

2024

Built

Garage

Pool

About this home

Jacksonville

SHORT SALE..... This thoughtfully designed home features 4 bedrooms and 3 bathrooms with a desirable open-concept layout connecting the kitchen, café, and spacious gathering room--ideal for both everyday living and entertaining. The beautifully appointed kitchen showcases stainless steel Whirlpool appliances, white cabinetry accented by a classic white subway tile backsplash, quartz countertops, and a walk-in pantry. 1st floor showcases all beautiful tile flooring. Sliding glass doors just off the kitchen lead to a covered lanai, perfect for outdoor entertaining, w/ a back of yard fenced in for added privacy. The private owner's suite is tucked off the gathering room and offers a generous walk-in closet complete with a dual-sink vanity and walk-in shower. Loft upstairs adds extra space for gatherings and fun. Located in a natural gas community with low HOA fees and no CDD, this property combines energy-efficient living with long-term value.

Cost to own

Mortgage calculator

Home Price

$358,000

Down Payment: 20%

$71,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,825

Principal & Interest: $1,825

Property taxes (est.): $585

Insurance (est.): $239

Estimated Total Monthly

$2,649

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$1,825

Property taxesest. at asking price, Duval County$585

HOAbilled monthly$30

Estimated total, before insurance$2,440/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,341/yr · $445/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$297,692	$297,692	—
2024	$60,000	$60,000	—

2025 property taxes (current owner): $5,341/yr

Estimated taxes if purchased at asking price: ~$7,000/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,174 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History